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Sears new credit card

Did anyone else get the new Mastercard from Sears. It seems that Sears has closed out all of it’s old accounts that used the Sears card and converted them over to a Mastercard with the Sears logo on it.

Of course, this is to help them gain even more profits, since they can now charge higher interest rates on non-Sears purchases.

I don’t know about all of you, but this really ticks me off. I am sure many people will be happy to have a new Mastercard without taking into effect what this can do to credit ratings and increasing debt.

As for me, I very rarely used my Sears card in the first place, so I will continue that practice and always pay it off each month like I did before.

Diane K. in Ohio

p.s. My back to school shopping consisted of getting down from the attic the bag of clothes from my SIL and then letting DS (6) go through them and pick out what he would like “new” to wear to school this year.

And a thanks to whomever mentioned about the Elmer glue stick price at Walmart – 2 in a package for 0.25. Beats paying 1.59 for one in a package at Office Max. I bought 8 packages, this should take us through to next year when hopefully they will be on sale again. Thanks

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Just when things look bad

Our budget has been looking pretty bleak lately. We had a lot of unexpected bills (car, glasses,etc) that my dh thought I should start looking for a job. Well my son is starting Jr. High and my dd is going to a new elementary school and I really feel I should be home for them.

Well today my dh called from work and he was given a promotion today and a 9% raise and another 3% in March. He has worked for the Co. for 11 years but only 9 months at this plant. A few employee’s have been there for 7years and have never been given a promotion so I’m feeling a little blessed tonight!.

The only change we have to make is going from a weekly paycheck to twice a month paychecks which will always be the same (salary pay).

Any hints on how to convert over?? Thanks for listening! I don’t have to get a job-well I have one I just don’t get paid in money.

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Limitedtoo and Sears sale

I took my 9yo dd to the “mall” today. Sears was having a big clearance sale and we got a coupon in the mail for an extra 10% off when you used a Sears card. Well I dont have one but my dad does so Grandpa went shopping with us (he had fun I think-lol) My dd went right for the clearance racks and found some great deals plus they had some stretch denim flared pants for 8.98 (she wont wear anything but these or leggings and only when her little legs start to turn blue in dresses during the winter).

Well my dad put it on his cc and I then wrote a check to Sears and paid it on his acct. The clerk was a little bothered but hey 10% is 10%. After we went to Limitedtoo (I’ve never bought anything there before).

They are having a great clearance sale!!! We got shorts, dresses and t-shirts for 4.99 plus if you spent 50.oo the give you a $25.00 off coupon for your next 50.00 purchase. Well they had a coat for $50.00 that I think Santa’s elfs will get for $25.00 in a few weeks-lol. Not only did we get a lot of deals we also had fun.

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I certainly have been mourning

I subbed to this festival immediately but was no mail and would check in periodically. I too miss the high volume and all of the helpful tips and suggestions. I am finally realizing that if I miss all of the posting that used to go on, then I better do my part and contribute soooo I’M BACK.

During the past few weeks I have been spending less time online. I have been doing my points programs faithfully to try to get a jump on Christmas. Once the kids go back to school, I am planning to hit the store clearance racks once a week to look for bargains. I have some GC’s saved and got a plastic web certificate card that I have been adding to for this purpose.

I am also (as always) trying to work on my food budget. At this point it seems to be the easiest place to cut. I don’t seem to be making much headway with my mini-emergency fund and would love to be able to add to it more regularly. My food budget for a family of 4 is $70 per week. I did our last challenge and was able to average out at $45 per week. It was really tough and I depleted some of the things that I stored up. I think that $55-$60 including paper goods and toiletries is “doable” and comfortable on a regular basis. An extra $50 per month would be great to add to the EF.

In order to do this, I am planning to drastically reduce purchased snack items and do more baking for treats. I also located a thrift store for bread. I can’t seem to make bread that I like for sandwiches. I love the Amish bread and make it for dinner and french toast but still purchase bread for sandwiches. With school coming, that means more sandwiches and therefore more bread. I should be able to save another $1-$2 by going to the thrift store each week. I am also trying to build my pantry so that I never have to pay full price.

Anyone have any suggestions on how to build my pantry in a systematic way. I am willing to continue to spend $70 per week, using $10 per week to stock up on sale pantry items.

If anyone is still reading this book, could you share any brown bag lunch ideas.

Well, I think that I have written enough to make up for all of the time that I was gone.

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I have a question

I have a question and I’m sure someone here must know the answer. I have been wanting to buy a water heater timer. I have checked around and have found a best price of $34.99 which I’m hoping will go on sale someday.

The question is can you use a timer on a gas water heater? If not is there some kind of gas water heater equivalent?

I’m working on reducing my gas bill and it seems that the water heater is taking about $25/month to run. Just to let any of you who have older fridges and freezers. I got a new fridge in Jan that was almost 2X the size of my old one and I am saving about $130 a year on electric usage because of the energy efficiency.

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Creative Celebration Ideas

When I read this post to the list, I thought how much it sounded like me! I love to celebrate with nice dinners out, as does my husband. But we just recently moved to Milwaukee and are strapped right now from the moving costs and such. Additionally, our rent (with parking — since that is a major commodity in downtown Milwaukee) is almost $800 per month. We made the decision to have that much rent with the knowledge that gas prices aren’t cheap and we share a car so both of us need to be able to get to work in downtown. I know I’m rambling, but bear with me.

I have to ramble on about rent that expensive, only because I’ve never paid that much rent in my life – I think it’s outrageous. However, there was another huge reason we decided to move into the apartment we did. The view! We live on the 7th floor and have an incredible view of Lake Michigan. Now here’s where I get to tie it into Creative Celebrations…. I’m no longer nearly as interested in eating out in expensive, fancy restaurants. We have such a fabulous view that we put our dining table in front of the bay window (instead of the actual dining area — which we made into an office).

We have a nice dinner (at the table with tablecloth, candles, nice glasses, etc), approximately 2-3 times per week) — except on Wednesdays… (we eat in front of the TV so I can be disgruntled about who’s getting kicked off Survivor!). Our big nights out now are at BW3, when they’re having 50c leg or 25c wing nights. Then we splurge a bit because we like to play NTN video trivia and it’s free. We have dinner, drinks and entertainment for about $15 on those nights. Other times, we might take a picnic lunch down to the park or beach on the weekend. I also used to eat out lunch a lot, but have discovered something else that really curbs that desire.

We buy really good bread (Rosemary Cheese, Jalapeno, Spinach Feta, etc) and make our own sandwiches. No longer at lunchtime do I think about that crappy sandwich in the fridge. Now I look forward to bringing a sandwich because it’s practically gourmet for way less than lunch costs.